%PDF-1.7 1 0 obj << /Type /Catalog /Outlines 2 0 R /Pages 3 0 R >> endobj 2 0 obj << /Type /Outlines /Count 0 >> endobj 3 0 obj << /Type /Pages /Kids [6 0 R 24 0 R 33 0 R 42 0 R ] /Count 4 /Resources << /ProcSet 4 0 R /Font << /F1 8 0 R /F2 9 0 R /F3 10 0 R /F4 11 0 R >> /XObject << /I1 13 0 R /I2 15 0 R /I3 31 0 R /I4 40 0 R >> /ExtGState << /GS1 21 0 R /GS2 22 0 R /GS3 26 0 R /GS4 27 0 R >> >> /MediaBox [0.000 0.000 612.000 792.000] >> endobj 4 0 obj [/PDF /Text /ImageC ] endobj 5 0 obj << /Producer (dompdf 3.1.0 + CPDF) /CreationDate (D:20251108004614+00'00') /ModDate (D:20251108004614+00'00') >> endobj 6 0 obj << /Type /Page /MediaBox [0.000 0.000 612.000 792.000] /Parent 3 0 R /Annots [ 17 0 R 19 0 R ] /Contents 7 0 R >> endobj 7 0 obj << /Filter /FlateDecode /Length 1106 >> stream xVMo6Wa-E껷M,t Fb,֔%)P%e€DS{yoE$"jq:i ЂDzxȝP}uGu_q'uیe qLH1ZXQѳƄ d+YWJAeZ@2U#ƀ&,Hʊݰ d:=?xhFmIg`ZtQ;r8:Ď@'8Id,d)a,9K{aRb΁w5\㲃0rJq;Yjb4gxD(`++#Ns#FJ8^K=B{5zmx;`vxVeEVqw J[K[sd>ĕ!<&$O$~U ;^,<-/„҂YHg/v17OBhDU௾`z)|[u\Ϻw>|iRRe!F`1[|F=zxvr' 55p58+pP&Di-$)%E[wzX &7ZF+NK1g޻f}tCOأs|%{p8V ;꘣P_>'^6hPu6h 4:g =shR< Y\5N.p,j#| kTx-YZ8?Jظq"iC/Rۀ׺}*NTC1\aH31$ ]ScbyυӻoT'*py83Uh3axaFk5uz5WʘI_l\gu,n'ǹ&Ftj} z{'OI~\R> endobj 9 0 obj << /Type /Font /Subtype /Type1 /Name /F2 /BaseFont /Times-Bold /Encoding /WinAnsiEncoding >> endobj 10 0 obj << /Type /Font /Subtype /Type1 /Name /F3 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 11 0 obj << /Type /Font /Subtype /Type1 /Name /F4 /BaseFont /Helvetica-Bold /Encoding /WinAnsiEncoding >> endobj 12 0 obj [6 0 R /Fit] endobj 13 0 obj << /Type /XObject /Subtype /Image /Width 125 /Height 125 /ColorSpace /DeviceRGB /Filter /DCTDecode /BitsPerComponent 8 /Length 4712>> stream JFIFC    !'"#%%%),($+!$%$C   $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$}}" ^\xfVүƃ77qeg/lFҬ:R+5iQz3RBΥG3S*&)5HLTt~)Úb347ӔwA決QmP}ccݜn,p>lBwl"JoU-ɷ)}75̫2XEB)iSP,%!1AQaq?!P%B2jM0!09K%4!+kZTPGsf,~51UcdHݵ̠jwJoUg&WC\ QEÉH+/^_]Huq SDwԡ-8;*bV2lH3 m8<}8;o#B.Cp!s h]Glu(EG)uGdq.8KJPhV8J<4< Y.N~ /?Ow5j}5% 1D(yIIBZht|NBoٙM ܟxq#H*uE_Yl e\G<WC #Xa7Q+9PF*m@^jrQFΞPb\ usqkDR';kc0=\X&9 BƼ:6^GydE 'hV:)vQ18E[UENLG󵬵m'C֛¶,E\ )N[u%;\u\1*x+E2DŽ-$ĚǰaK+ՓX .v2 CAE_Ŧ?~UW,bp.$$.K\A9.cϸ?st|s+GaQv&l O $̽Gk年b l( Z_֊%ps7MsT&h1HLp !1AQaq?dpKG^,f>eMpynq 4>SY  gwl {]I+v~GfRKq)dɕיӳ"",w.N@Gng ׀٢|9!1AQa?< 4DC~0 "jbUBTs웳`Tp%wUUȭ .̵%@ 1+APV9.)}K9**:"0\%^=Gn0g%!1AQaq? I0ß24G롸(Wujz5`)$^`UcQ\)T𖪰GԤmsYh&Z-ɆkXbZaC1Pې}eGqR]G4X"oAb2UbKÎ } 8/ͳj crUvrDrL{=Y5J,X lK0^g_0NoTXb Y<AC]a6G mm5 ;t%c-9)r…2`hUWq8,KH(Jgq\6UEo2O endstream endobj 14 0 obj [6 0 R /Fit] endobj 15 0 obj << /Type /XObject /Subtype /Image /Width 400 /Height 300 /ColorSpace /DeviceRGB /Filter /DCTDecode /BitsPerComponent 8 /Length 21792>> stream JFIFC    !'"#%%%),($+!$%$C   $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$," 5V-GOm"&ghfv}f=G0}-gy*8-A X!%lPsXRxjN 8113j|\\YDGt({ yVp8&R9 sr^.LU>w7 r{,E+'< sU7|_~θXMH(}v GZ{]>X+aNY4擮{,fYά]j%,Jƞ]. 7Byx|nY=wV2 ,yǫ8(6(h@Nn_Em:o Xh׉oyw/h҂VYjA-#Eؗ|1fc7y䥄pN N,X5;bv[W@+nǙ >c!6PJ۫8OVT wdt/Un1ja+#­jzz9 W++R'z(D}<Ú&*DžVzMSp_ؗ9ThM01#Y bi>q~4l[IaU/]Kjk'$Z*Ik,!1 "#203@A$4Mc)mga%VkQ84sUI z7 ')sw`\nѨYQLfT`a`&y T!lKDPhcLuњFtAƧm`Qg~MMMB#~]նU عu#g"0k N;`Ƚb4\䋕IվJߍjLJ\pGRDa5@  +=Gz& L!r? 'ge =ێ,Ա\^z,2jڰiwy(ɬ4i@ ]lij79NQm}F<sTA}PX2`-jLS7Ca K aٿRsRycnYؕd[ܵjݍEmg ]PǾktZPhVYOmdgm-77_S]wλH_`+`&/Fu6be,Qr=/<9MSRctX!79L nnnnos#Zi] ca5bP]mہ}C|Y_@I\gSב}"hq2`v5 cssrLAL]_n"P+XUS񭭘-2-55/ϑG~K^ž.hcm ,ZL_⵷\=ro.\ z^x\l \#1AEiyZEwm3, >K(dS\ rISw.ņ kgٗaz >E2liFY?՘诼oZc( 3b?8ԋ|t ~0 걕x,rIw8ʯLjGnJd\Lp}MJ}v 10N\@G1 U5}i4gHĿgm"0 J nnK\C,X,EqZ秺VK[܋Z6@jiǏ L0*u4XTS125Cp˴иl }g(')YssssrܰWn jRvv)W[%Jk( *ZA`jRvȕF&*wf+-xL&0;,""Ck+xp''1忯xp'I]Ѷ-`V&1u԰W㲂_V<"lK6Sd'/ Tf' O&,J)|u9G:3Ѽr-Q*$ %YkbFtuZ<~iyzi8-7*Uz򲼅ܿ5R[{XZx6L V7TUaqfQ xæmJUVWrnJU.{%5y;|zbRr03؞&8త7K%YdD_ڵ˲٣٨nYp-9J!9t1/N?c>i?h 0x?i&5 1}1e*b_`1ɖ1k J?H~;-Q5Aψ}f#(! 1A"Q02Ba@?HNoe##"ཟϑ}[(ً[[4WeK 'r8D(Q.MOq?={'(e͒QK잗^;o)$ecek;A|15;pWȷ%vqѐ4~LЖ$a!k&}ԌU+4?'-YQDщ?jf+QpzɋF;/)R$HdcwrrF(TZG-c/+niO)-TqB Z/H1(OBРhEfI|+cuXKO%2Y-?D 6)216Dh '$?ffDegFLkR10)JG-쥴`#4UPd{tU(Ɉlq(iI馝d[(BtQtE؄ F"\LmJ+"11[vHv"^'!1 A0Q"Ba@?(Y^i4JsE'*Ex'NMv,OIb%ϔ9C&wM8' F{Lχu^D%eJSQdؙfҐeg-Vyas[+QOPlO)p>Thٹ)j5>ur"[Iэ$ar!?3eRLչDmp(kXqӓf.,䖥{)[ k$hRqῬrźܺtG$t_,DvM}K;u3Z4 JĨՓ[V\`CVM2/+ċ٘}Z%;cLglIhLO7aN\G)OHByXVMú%$dZE2+,YFٲ1NCcɖYyIhԉlS."I-zy!27%B>NQHcc~3,dYI%)r͒e^m P~>IPh>~' \x78!1 "02AQaq@#3BbRrCPS?Iʒwx3@v V9XBx8=VW-\];(N}oֻUlBi[+XVp0+&V)nMNE%t\LC}ebwGDhɅVaVNV㬬e0$%|$GROuaP : KrqGi_9|-vb]..4 cHô^NuT S*7DY2FYkDX*M.3H읰]bsdZL' l6nf_<2x48#O(:A"z4pFzʃuwLpL%~5Uiͮ:[𷢒-u[1h~\X|T'(N7}s͓qC̓4b4,G=BfC t5lvBPzX 9D=8Ӣ-O}3B_sA":PLE8G-=V3qY7D9 Ti*6OZ)W̅LŸ,*@Ei¬XN jxdf RJ܂{'tD$C O8kzBv#DEn'@RZ#2#f@\I )`",L, W@!s(%d=> rP!U\lQk Թ%];WJ,E7e!C`BWZ)le.uiƺA ( Ghuuoo*UU^/8%ȼMAUVSs.T4[V.HUGu* 庩f| $4MaNw)v Undt|KG XQ ~_' _4S bmcA6]):C@}}Z$r T<TAP݁挺fd fB-Y֧X; Ţ wXN?7`Z'1yn=(%ԓ*3Vq1=bIfXh"dw0,C+>}L32}N3 .3&e/k!PߙaLrin ,c *VﷀR [I:'ab6)UM\ n(ұpIE7İFtR%iHF+9nP/cI(/!5h$Ms@4^ oT^nC`*Am̯k@U:QC+Ovoŗa* ONn/s0~sd Q*$\H^6ʿpeA ¦ qUoBc(F0'\bV0u-)s\mR*NtrsnU·EWD+JJ-;D8(Dz6}Mhr/s gs3a: k@lTۅ>n:|7WMʋ"ڌWpR#xhٝJS&*CP7Db^ųQ:-)x[/M#f׃ D]rup(4\x F#JR$oVV:;0nlY\=z-\!QN,e?:"TR5QD7za|gI[q)Z)-.Mt8byEȴ]9EN1{X~&laǔ]YFu;xq:  U^Rƫ{N^נP^P^G([Q}ܨR.9nٍnhEnkNMګW,`j PٷubqPPބ1F6QFvtZ-U\{d䬬 ކLIVO`hr镝PTТ?i*hB/{ljU`W0 Ahm(ɫ{y@qkcHWVPj\-2Wj=2tvC苀wGϾhV bT|{!jϦP`o>8.]GeVڱ@+Kvy( hZ-?ŠIX՗uq gϷTWNZ++nՊ{-`vw$+w] ޲[=⡻][`%[!iAjl'(!1AQaq 0?!cJ*TRJ*T`D)!N8([O@y!QA8q HL p0 @ C|3Q7O6BfoX} A xF?7D(.\r<@=`=?N|~+CEOs̖OH0PX +("FH EC11lZH=;['|n.\~ A}b/Đ =A 9sp6mE"DZ1 w="QnǼ3./ʎqd`awWX8R1fd?f4~vdPPD|7p!AúS!O7J,odeG JBy XI]@ 7Ro2;lM wPn- ,}03\L~7~CR͑>Oq u!KlcmSvO j 1Ng?~,BR#t#I)+F Fn. C=VKн4 o?14c5.\Q^Ez)Q ngqO?BR+px c7PSA鹃~gc2>P q |_hj5KmFyj=xJCRL;#F3^]2*g3u%8" EIr1q!A!`^b(NԲV=a}D ^lP}e0(RKf\Wn.mA?++pJeG.}D*C: T ˗w3\YH,BQ]>*H#BI JpbA^DW&ЕiPa T|WS6wLc!/e鄷27:eˋ UΉ\T`H (Ǵ[[q)[ScAĥVhBu*2SA"ů\*3~e%hـ0.ՅwU5.2ˌpwFnZ6JWa_7v=S#K="WSv`+,jƧx&n^ ,CUI 7* q%`l-fPK[9 ps7 t /1rpe˗ Ah]ˣY5TOL]  ("zb49*&V\n^,j ^bBy'1P GrsLjE}\@glJS6o1N5wh[ WDe/[rz{fTUz0Okps,nv:l--|KfL8JHbP[0gIɸ`vc/D.ZGĪg k^JrCU6GKCe˗eV{cz%#+:j 7({pe Kt$5ƃ!_rh1 >*xua`V3>#CVo\׀4[Ϥ0qvͶ|"{"E1rͺF~qD80#\.DI6u2Ţ p1wN~"uJ`v1 mX2˱)-qyθH1]CavX"0":013^?ECXN|BĐ> b\T/c"f*"5jmi!uRAz6mIklk1mYݾ^V^ۤ\Wc2/lRcX,U|9P[G+2Ay}!p> :¾-p}$DO87gg#L.^:&7yJ! ̩t,&ZFWKeFL]5ʡ2T P;l[rŗ|XI)_sSoJ7 ׍>?&X<+/G0Ջ(~TTH~*`qIv|Y8,,-SzJ˶o2wB;="R(!ެ唻Rxk|-$6ej;*.=\}}6#kadbL3a'WQ(lL4 HŹ"Sjɱe¶.U15Q\;]*b퉼R6%<d$ "F_ 3"J4 q9kam1lU8U^L29`[r1h&"/'SGzLQ|T`r TDD˭2n&<t) Je 00uo~兊..=3c#T\&ob%11tIV*T!8G;$`b]NX5̽F,u^{Vj q(Ṻйg ),TS-)k^)hd \`KbVKOC&"˶,\*+Au7}Fʌ\mA )0|t.?h֟Nq?@KZg|$~)wˆCl|Jg# 4a оs0q7bk"5f>c(J74lRi=.(3rǒS{!~iI|XUٝ鞏 @v*ilY{cOX4 c*̧Rw)pyT_5 3N\=ʪ!X^Y 3h]"+W d*Lwdgn ARFоLGy1 _VF\8a5lqH0cy_KP`pqU g&zLR T\<\ -s|7:W#OSV㩈[A\h_8%kD+,N/s Y3hv\1YG2`27;(X[_vdecL wL;z˄RS Xs.ħ[`8Q$m6:'bphB>.CVnLGpKˇ_̵a% Ȃ%jebsXŗw^RJ&7RM?L (2=7=Y^˕4ͯ08!9᎗5 ;u71bEx,j[ t-#[3b@! ! 8ePQyK.8<5l4?}'t_u?f/ýB_д(hV'p}Xa%6|;+Gmݞ!PkMo+(w[R=XOnt+ZN7G|FJxamgA ~Pvag:U-BH)XtV 'FzJɞuZapVTЧ̐U|j*{,˵Fo4r3澴c 7{;m A8"?)V#}v*%ԡm%!1 AQaqё?ee6[cGvߖmm7GveYm'6Jx#KԢvUk 5P?'!5 G| oGRWeŷg'ǠCt;xI Gɳm{(!N gvLN'v}! $Hp(S>>%axd5a aI@Lrd>_Bf _"88@Vga%tյ\X: ;eژ G;̀b2zτ 3lP4`ݿGv~ \ft{{DoAth5OlB|#;{;Yc9~*ȗǼn)e{~IԤ]#9r>#I O[k2^ihGf:!gP\.}}sd݁e՟.Aw'S>gQˢ!}~`,i$zn䣩>_-$vZ_3㵤/mrͳy a9,5lՇp|1r; ^11NӃĺ>4\N /6 Ϙ.<7뻇0؞{%=G̓3@ ѵi ˿<_o(A-~~GoN&oK\K5:-.v`'Lx?+&b92/hęp$Wbϴ8 N0sm$d"WĶ2Lw4O] 8`WoC|h&ykl+}3Y8ZٜmPu ؍?mFm7Yh9dζ[; ^en 8YVC:x, >L?@ Q_b"hYY{&Em;=x5F$`z̼MzYVg @V@>B6 \5f+onfY(ˈbˋ.\KFȕq>&~Ow({*0Nz'O@ګk0-m֫-tDCܛw+u2c11*q^^!L3 sEk΋s EJwBP;ˋ83؅s@¬ܲto-zA x&]TMmJϣtusrAatWy!gMw"}%va$@^4\v ̃Z\4P#ˤ)BzT G hLh).`$}ˉmVM V98'dҿr̺|ǧlqz+;"R%y.\i-la*oK C1[7p,7UeSEك kl+(^=ޣP;fzL1aNE&KkXsw,wC& -* Zkm zZīg2f`A78H7˽=0bþi2KUmG\J0qY]j1R/Qtt4WD[PcE鰈`Dوtjwe;XrzYPcӹPT> O`b"x6r$=WR{&"Z%Q-*yF:7$lUƹk a` 2ZՈ$B Ec nZe`:,?&>wįE %̗oGKL&c"iLs v,ʇ1j)+bNqt %dL0b^&A4B;eeKи/ޒjZ2T!$EaflT )fn^o36<"w!$Ok4D Q@m&F\E(#sytqNbwYyW I5d #B"IWKxPU `jjZp9s1$h)ZF5r؛lIa7-qkʿ\X*gJu**؎dX]bی*̈́hD*. K8|_2,P?`ѯ1V /3_Mޠ-1 )/FDo7'J&;=WRiX R] o /JvSɈ(eB@Ef1fP FhfĴj'f&j%"jTrH:N8& ^n"EF3f9Y:s S %L#-V_V@1):s!X@/aAeyWKh9VE%Մ8O{״`ABk0O,>M-x&I {)`;1^!z42$Cc[ rih@b&s($Jn(%Nv=ţ1X]7R1ŀ{le(ZRzлBK5ن arWAC";&O1{G{=.N*hEH%;׳_r텥i"t6V_̰ՀVQlLq b 05q`+gV=K~ 4-{QчP F"qg%Sј B9*|Z;G1FZ%SIS.Ś30?dψጊUf|Tr H[_3v/C6WTȱوޓ b PP`4:c,N&u4)]1 "ƈPE3 mLj Sx&FeIi'I@ fUKqyY/'m;ɮĄ F@2ٌuĮCVCy;P{`@N ȼ|#'!;!6ſ]Qd w1z!G6q8X|60/z* so$|ck,j_8&`4!ɵyY8*4 ФFjnM 쀔*[)(|UGb~P,uy*t,LB*nA2H̡Z)Y ?m4><9.|E,w!:TP:@>$>ejbrsY/bt.sfGneդ9hRzLoWa^YS&>`.DEm _XKP&6 O@FpΏ.̐ 4mRdzQ[z=Вט}b̊r f]Ri{SÎ~OZ|hS!|t7@`ε+KFw +h`⓶M"qgH(Jдaa -*uAYOi)ܟLĠmƥS(0 LhuҤmqA8bgqF1[T?H R+CncM)E>EPn)dM9"M"&e;> nѮќŚ[b7,dcb3놴3rmbטWq+Eo ) 4DjUÂ^Z#KZ;6W !V(4L֥&i F&/wS.@QsORW]t0/Hey2fP/Sĸ(6-v= T*ĕQv!WiX#2k9IK?OqrX]F)0Wlu`,\I|ml~ѝq)' w! m;>`;*$IUYsK#-`ouUV̉TƼducḎԬ)@o5\1C 1T2{GY/g$ (ԓmkb׫LZ~ur\gIDx wу4%uCX~ԕ]冐Ǖ{U_X]2M}D L/-cҝb4ha %Av,#71;EŰK4ɰ[6 w:5])/.I-vtHp(BT#1WC3.V <THZ!|I{/-A_RPS*mN^ x̾ 1()`*T=a 褍ɖ+@|"^=-I# ,0f KtuXJ2R^P #7l+8WXI>1f9_S2[PuǸ TWkŷpMGx?pw?pF!TޠmTA}vJCX*JǴ &Mce?3 ,Z wRrs40]_.ccy?2arY*~&lzF$\1sڙpH Xv!ı =#@61` 0Ԝ %ojues_ N\UP|b08G3= :y1H_xEh5A.t,2nf|&iyc4{q`9x͔MGo}'{&lRkdyjS(.|g.jfmLBh>a0?c3qD"͇bt4FDZ4weŨ`z KJKJph% BG-\і+Ml铉jv /}E]|t[]o"& ۣvJi-UDA%YmMw'W0iU9QLb&W2-ك[4.* HZ]P/"{0D.&aT#ܥwJSk"Za;. _D=j_T`hhN6|G 2y>+=gLd-z̤HHL1-/vn0T2/ըQ9+C\ ;©ޥ$Qw*)<32ILczgb*Dq \ ^1D>=@+!'`EkG(&0e ?R@锖/[6!L[B9K V =ɇNekQ]17*Hh3~`@`s2܉M ܭ" *ewEǴ`SA PXl5 gP.3"½pԥUO0y? ]-}1rfՔTHvg1,:1nMZ;Ԭs1]'ҟ0"tgOw#FsˤM7ܞbpm"C+hp'S zJXro% L[\GY\1 Cqv.t\p' 8Jii3 BCv LH]v- /XKb*a T 5p|]f:0}⪠bhn>gjV7`CDڴAo_xcAϩC-AyllEsF#?1BUܵ fW3@>k\h[K 74SWk8Ut}I1$(9FS_DYoи>\,'}`Kg Po!ĸ fC58,$-*|FspdHsԢ@i/%^d]D*;c0T.Ȃh[ a @bę 6'Tr|;ehJ%&E1k>L\ fgNS}tqK VA[dvĽ(\Hda ަHCs> endobj 18 0 obj << /Type /Action /S /URI /URI (https://www.usf.edu/) >> endobj 19 0 obj << /Type /Annot /Subtype /Link /F 28 /A 20 0 R /Border [0 0 0] /H /I /Rect [ 110.3720 133.3430 316.4480 145.5530 ] >> endobj 20 0 obj << /Type /Action /S /URI /URI (https://www.consumerfinance.gov/) >> endobj 21 0 obj << /Type /ExtGState /BM /Normal /CA 0.3 >> endobj 22 0 obj << /Type /ExtGState /BM /Normal /ca 0.3 >> endobj 23 0 obj [6 0 R /Fit] endobj 24 0 obj << /Type /Page /MediaBox [0.000 0.000 612.000 792.000] /Parent 3 0 R /Annots [ 28 0 R ] /Contents 25 0 R >> endobj 25 0 obj << /Filter /FlateDecode /Length 1394 >> stream xWM6ﯘC-[voF@ADKJKRvؿGJ: bkK7ޛܽzRcnEQDׯy4qĒrMۚ^',ݯOEG#H@UcSQv~4>M ~/,J05Rj4 "ijۊ5^)69+"-J5ݟGA :+MjWHw` ziH Ԟ₌k7!0m,GwȌ;#k0P"`u9-aad%z7ϕI^˂NkzGr"2_r0]5?8 3X${__\`jRz!P|P+G%4%hPڶ']^oiXIV!4e@SZ A D"S:Gj> Il9AKM: mwvn]eB=QVAW(k3JNUډA쥅XNR9 AHWX(7J 49;ST0.#ܤѬ%%r҂H鹺yCWq%8Ł , ώ dfg{}բsٴ68ٰ,jPV5<#WpuVBw1 c-u$: z\?H;^jlBs g9\ .2?LD3~ܩCpz.ӟjU%i<$#{~rGcPU}{־dGr8ak]'fe,ۄ33mQWw읔;t枨| gІ~1Π=YgPuݜv-R\)Q Y%;. oG;@#5~ϙLG:sN,U&PM2BPYH>Ƈ@£q |7Og|_0nU?9:;f羽#P'"8+ziZg[jzpLx@{Խk9JWS[ڀ0=ZջV=Rv]~F-XLix 7k amiLc0@<.U ka-cA0_r=]cIaR'"G g\,_sjT )|`~|~Ônlx7ty_hOIq 30Z1KK] yn# endstream endobj 26 0 obj << /Type /ExtGState /BM /Normal /CA 1 >> endobj 27 0 obj << /Type /ExtGState /BM /Normal /ca 1 >> endobj 28 0 obj << /Type /Annot /Subtype /Link /F 28 /A 29 0 R /Border [0 0 0] /H /I /Rect [ 247.1000 679.2650 375.8000 691.4750 ] >> endobj 29 0 obj << /Type /Action /S /URI /URI (https://www.salvationarmyflorida.org/student-housing/) >> endobj 30 0 obj [24 0 R /Fit] endobj 31 0 obj << /Type /XObject /Subtype /Image /Width 400 /Height 300 /ColorSpace /DeviceRGB /Filter /DCTDecode /BitsPerComponent 8 /Length 12073>> stream JFIFC    !'"#%%%),($+!$%$C   $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$," V4U-I$"4)b++*"2+C,00!L/ׇsBzrRH@X$,E,E,E/,E,UKRAH$"1ug_g8Z״$ $$,H * KKT1z |: oNʹ%OG6_zI!YUb+,E,UK`T`F#|Twe]Uҧ^jۖK}H2YTId]=4tϗ̔jyZEb(beAlc&K1Qt>IP±J 4 XAS!y랭|8Z,*Xmy29NY:q*hyAb)fUb@K*"KË+Z]aC7CX4#ɠ(P/]54ܠ->՟?K5lXkilj5U\%Zj-̚31VGXf܏d"݈ĒC%whGB}1o/{ mdL˷'3糮R)Yn_^Ŏl9u26*Q~H*`@溏"Px;cMkͬ| hrlYkS]7bZkĩ= y:mss^^W{=^GP  @HV㺞nޔfmr8rNlvS˾`F,vCiQEm\O; ޟ5;ڝ'dq֜u#t7.0l\:4דO-S·YZvg*s4Y2Nh~&I8o_.jR҅R Tb"D@sފc=Zu}!UݛD}a%u PԲuC=]7h!H:=]v:e˗23G"xHgenZ Ue) iL3:E)^GC,X*n^*%ICfrezY# (c~]BJ|vϨn 8#G 8@G EMhp#.}RXmBs?OUkRr_m=żE ##jVv 9/ۤ{^rQLzBSE:mIRb]B*u%R16qGN8t[2zGzddR˗'p5][9 ~Q-6TxRMU8>}ud:+̜YHɡlI\u Z8۲sQLG=cT{72(J#ṟo/j_r~7̛} JQR! 5B)HF Vw22[]"n*BaF&#*}LCSv*7x'[\b =.˳(\8G󙝣s$d/h¬~1I1YUϥ'{m]^ޜ*G:g%3p鎲D936e#6f_kvl-bŶV1r'$Lg8ļ_}0Gq ,Xhq~~7>;lXke\}}8qgbݷ~ͻܾ\k,Xa~l. ̳,|{6-r_cȿuor۾ojKvc@ 0!`A?#TǨ{!Btlc!g[#"|>S+~ /  0@!1QP?rgf1x1c>D#Δ, cz=._2Sc~hdN')FE찛Szԅg}jB2<ݧhcPس~:/!1 20@A"3BPqQaေ?Ưz7?]UbKkS\(N)*?$]w&n;!{2̱c 7BDS)'Qfi,r.j5ID[h)`MHKcr"9ϱOj/-*㕳ܾ6wlL ++pFp.LuݽH֍Eɮ j'3 Q7!B!Bh!B!4a7:iInХRc ]EXؚB! !BU $)p]^Y6&M=֒!=&s|Cfx :pP)L w0˫ܟFO']ߕHA"Bk[p%b{}c*3&S '¥8Ey+ȏ|v;"P3&KOUuC6.9q w7\>Xֹ{tz Z1oB ! $-6ؤaRq72IНTx &BՍ&ZB5p#$V4}ƕeҏ|! lY`_RMĶ>Eƿ:2^w^&' OV eZɳۆ6Nޝs' an:ry7sr ,35U'sعx3bgb҉дj94Y^MY%mLzw]⚙>6e{o*5W8 GS'pQg?cN "FoXK;^Y}^&R IF.mcOl*m |w!A1xz~&}bcY }l8~?'01`l},Z.}D10ϖaOah]:Lq9Gm&W6U m ^A!|cp뒕CWwg l-_c<c-[a.oOB.^B B_q3]GH3uΎT\ @HaaA=ƎDv;H\}_T!BJr:L.6"+.[&5݋FFҽɌLގZx ,- l_lV@rz4\_=X CSha*` Ku RJ:;cG 퇣(.ZY/4to&{uHtpᴧpˡ2)1L[4i?cg}>Rr6yx$I$ $ӓWDIM,ؼA=56eo+"-jg C[i! ilH "6}>813~(s]Kn,EEmDJL_bRcD0`c<3Q"3E}ccmT!d?b|iw/_3d J;{;KD0_] PԮ9IB;>5{ 6̏Fǔ$o z&`h>w$ePd'CfC,G2iK# 4#MQǸfw hE ֨B] ta`1[]Bt"Ԇ$z$I\dQKsl{Y 3(;[=%;)7BOBfNyc2ON2灃3F.4Л+= AT=hhc}.ܺ<)at_D20d'C+rJV=iHߢ҉3ozNL48& K dM < Ko !ζZ8Scdw!eya}޾Hv^tXG-(_0S 5إY.ۂ;5:L@TVRtTBcUmWrL n] #El_ZB |&]?΅ƘxvDB'ؿH18K- հj9^7)I}y|! 01AQ@?)Kivcc.Q|](s)}Q2R"9:$A)JR)J1E QXE)JRH(7ސDRlBjJR*i2?J'Rcb$WB8$!,yq}YtL0 qkD!Yӌ"LX>&}DN5&}f&R8oLD(0_RHj t!F%oIi"]NS&tobk&#eKoOo2|%i_T~Y'!1AQaq ?I$I$I$zH$ NI$I;a E!˕+AAAzAA@@ JB 3]D+PB ;B O@ $ *BT%FWM]2Ќ!AAARI4IAT&" P(@?iCekQ{I`J+țӵLAAAd =I$= "D]ϙ_hL]?>ϫ~ӆCSZ1Aq`KL7&s͠[aVW:%WG  Ђ 0 I$H  =D&YG-L֤_/i`.Z7A9_, 5L *ifxME~%[NlAAA8 @=.=.WЎKo33X#woV{7gs~"U?yGK 0BJcO;ĠrH@  CX(^ښǎxȡ;D,__.1񟈁{ME{̻ĥYhZ.*AXuqԔCh?suq܈vm&KA~ySuB4(97?,@@@@@pO@A 'H\B<0Brrć7^z_OҨʹ\j[ƐA}t xsGs ,S^T̉Sd(1^z=$ CP`5-Dizg9ԣ 81:3t V1Uķؿ s>ܽ“ݖA+4" J%I뤝 "R RP.Γ|>|M02$f&BS^ j j7gX* [G,쮓 Ґ9a,-C*PeB7D1+~'C ^&Kk,K{iIc*ؔQso=.`!8a{RT0 A\~#c44SpTѷ.=Iz_zsJ^%:DtR!9Xqs3E"DE:]=Ci`-yjxƩS%Xm \tfUg)Z8eqvAs NY"VE_zsy0ju i\Z} z@_ SRJ悀#U#"{D.m0Q-h]%(iu1bBbu*+mrT?1栜$j{AF-s zڕ?u?FҏPoCeA3|1ddq352)^{[ÎjX\sgsUc/2 Q 0,;T[ [H%G M8_ À TE2y9wB!jL5ߺ#N0R|ޤt eE%>( إūΈ~A)ck1Emy Be7wlE›B'Y sܾerVE "od*QRXW2DBLj!ЄCx%pZ4!X?.Mu!@9׆ J91sQHYo[\m4Rť^q ;,zTCkxfWd. :h$@%dnX"EGiEQE`2y69uT>c)W$ .: 9g`RN3i:ϿFEY2),exDP8(g9IBPX7d,;)ވN8"C5 <U "[%b4cZ=D 2<-;f2dJ11~jA=]"Jg,Z`,7V Ϡ3nS G^KwҤZ:a~`&j7u-Mw͹p}"ρ3eLڡ  %뙦n>s&4 dPImJ!x\pJ:1/:BHخԤ R"؂p o2_ d M˽E=.e +{y%oY3u*:X~f {νb O7qdRV1D_Xۼ3{%bXL0qȋK 5Zט 8!YVL@1h,i',GXI +E,?s)Zk#u\H_U2ҋYLsTŶEDzCfߨS}f6º kHba(|c_@VIG!n:2p'YpD`!T? }e ۖ5pE\UA5-e bbZ/1d&/Xc.)<C 4FkīGܝ*(%v Zr#r-:)% 2ꛇGHix˜.opv AjG_/^"=LQ&TXc6]#ww? @r P;;6^KJx N~e͑pfOY7Wlݱ+q+:ŗ2JffeYmAM\l}!]%orZ0fxf΂g_}ⵑ j8 |FA5ՌTLOP q ,un L29ejdY#H* p*|LQPM0+>`CeF 45Cɫce +y50z 1F+p1*̷>fKlJHqFf{p87;r3AT8sͰcKKybDZ^  EɉbަʹBQa1a~V f [l=~,)DO N)b- |16T䷻0V1ىT}ܙ1*j&W-̷&R2&Gkomb7DN,J|L..wǥL&2[q0$?L*ċJGp o0r>5-:0r q3 ȿ3`:K cpiXݐ<) 7u/8!m4*t0M0,`qb"闃s>ah$tba^q*߼*UIJ˲E"KeUŭdsg5S_UL87,܈CKZN0Zi f}vTLQUPҥ"Vb+}a88Ka;j; Q" 0͘9W)PX8S5*W's)n+6175 endstream endobj 32 0 obj [24 0 R /Fit] endobj 33 0 obj << /Type /Page /MediaBox [0.000 0.000 612.000 792.000] /Parent 3 0 R /Annots [ 35 0 R 37 0 R ] /Contents 34 0 R >> endobj 34 0 obj << /Filter /FlateDecode /Length 1458 >> stream x}WMs6W!dF-I:Ό!&!1H)Un~p߂24H3$ow{ ]\v](c: eL(]hS廄4i% VU5_8㣕TR L7X]'mڼ*ʴ d|+0ֲzkvVɿzY > J =v d:I-҆hxR>DtgZIf 4ɳSKd0Խ%1ZX(`8Be Q^QGY %-xDW)I8܀2 LQ!Q5NA]mɡk-H:iWwsot%VrB8++=''ɢ8 N!'}`ިtnc%`];G~W^YL8V\P#@*Q CWVj%l‘V{)ѸvhQ'|hXkd7䠆& Y&!Fr kc@90G=PރЎE DtEk͈B6NŤO*[(.CdDyhg qC`EHXC;U yZ:G^XI_҅@yb2ˬ5p%naky #OI0٧bJWsM,IC4LٟN6ysztL MZ~I@3I*2aغF*i:ض dƤ ՟(/B<|'ަyJ[ojϐ ;+9Yyg4*ve̙~o>}9nZ>I91BS,o5z*y,SH$*W ٶifGuXעۡ9GeFoR<8?Sv=2˛ޘt֕4)hn{-h=mS\i\D:$I.˼\k7Y#yH_!h{ѩi-B,K :D).;њF Tf^>*IT!!'Y֡inFHRNÇ֓j:5|GLj>ﮁUfc0Y6'þzt sPFՀ@N{ ;*Xg_@bMO$Y-knJbDQ:0a|@̠?=Eqr2*\xv/> 5 endstream endobj 35 0 obj << /Type /Annot /Subtype /Link /F 28 /A 36 0 R /Border [0 0 0] /H /I /Rect [ 492.5600 484.7450 523.9160 496.9550 ] >> endobj 36 0 obj << /Type /Action /S /URI /URI (https://www.boothuc.ca) >> endobj 37 0 obj << /Type /Annot /Subtype /Link /F 28 /A 38 0 R /Border [0 0 0] /H /I /Rect [ 35.0000 470.0930 131.6840 482.3030 ] >> endobj 38 0 obj << /Type /Action /S /URI /URI (https://www.boothuc.ca) >> endobj 39 0 obj [33 0 R /Fit] endobj 40 0 obj << /Type /XObject /Subtype /Image /Width 400 /Height 300 /ColorSpace /DeviceRGB /Filter /DCTDecode /BitsPerComponent 8 /Length 14979>> stream JFIFC    !'"#%%%),($+!$%$C   $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$," t8{x阔/7fOs&eM۷ۛf۱꼯J&̝(Ҫ̽ ҁ,YTeB+ȣ,:5C(1}CܧAWN!|/TS4ΉێN-ׯ| } 6\$4`pX2bYࣞguk =LVAmϟ 喫Ig//c?|ugsP0K(X ha,i(}i|vd_?i`gݼqz2xѐ>{~ }ϱ|溰=g5 0MXjZعRX?m4„^#,yفrِ1 d<μzY^bz<=GQGQZUݮd46@)f#bA@ R]WBsuf&׌/y,iBE.Y% ]TURTԃ(PK0HSsˑW;;[H-rzEYِXv6bAX5uQljJ,j5 HP1/bd6l\/H;Eâ^f~7\`Hvcid]!UUAa iH(BZ=3u76Z˖BP69A¸(ĭ bg^2Y9D<\yZ|ʕ`\Jz,i;~, ;N7 yR($EQX6W.|ydleY;z{ 1.1r6Luйyǧ4r:3N{ԋ)RJpZϠI9)tfQZzvo=Y\MxNZ= 8׭cs?K醀e~3;9˯%]60ϋWnޟ^"o$r{OpoN}#Wȗ-`ū*%]*E]%MjEEFhu'-! "10#23@A4BC$;A﹮ݕq Vz Y2T󋂏袈D"eop L᣽J-1)biSA Lf%'=r^J=Ȣ(˝ cLJwNgͥ)? >EO02 ȏBcM7iNC}CK.Qe6 ؼQ3袪|# +@b:}wܸCj\L٩ o'JfӲjJz@O<37)"VھLT -dzef-zIQ!{1sa<U1Q(UԒysfR7*<HNa~R*J&G'L[.*apb~ڔ{ :;M@}% |$J-.rdrb_.QԱC}?jt{} ? dkZ/ zdFB4в7I.J'q/P 7{P~nǷ!УN}>wɨ5X$:LGmTLe>K{{~mNjK#J4mO>ݏFB rn[иD]P4>+E)\+ .@\ttttttttt2 ՐWN\69)aiQ{>{~*ZvORغ#YMjNmɃ萊v&d[ge93zk\?LrP6e {~kWDn+N`0#эkHAJ,c g.Qβ+\$oqR>4-w :ːn` +! ^.:Iomy%] kQ wǭ kdYU%`N-SS&re",P8>UG[ '%τq8O0:U2DK¨u~|3wZ՝y-WWWWN{QuS|WfֲchѵDP (jS~mUҎ[4`21T:7ur#S!\ nՉ\,EL 4Jm;܈.k#]Tkb5uuo]Ts^qLkdM2$;6Bѕ#p %r$],z<>mk!k頿*LtepPscw[;oVV.EH+# P\,jV@oL!lr6Id.vV_E0 `]|(ӯPx_dGk 5]!Vr ۡm r,, $C#Nc-4)[c G4X\tXX5Y鬣 gm,7sT캤nR<%ث4TzwPXy+u%rV6maߧ n bn()`B0ɆD,Ʌ$sQd&Dch IR1ttJIKuk~QѺ#Y(͕ 20Ae8".L-UȢ+PIqJKvVVEdNފFbfn dR=6W. $(B⭥ V+e!YYYYYaɉV]Oo<I:rhj.q]O$+cA1#P1=RԼwdd%cR]m eV,5D?٭I F9,®r_"pbȊ)UfܕWjgyE^L5eQE oe4J鉘Eq5撊+>eJpQst?$ d)K:L2|hbG/uGt$LN],ƆX]9mK%! 01@A"2P?^ &zAVfCS"? |Džg嗂Szp=E"zmn&M)rʖ_4LG|P(*ѥ(l9]0D!ҍIt崟A'X$LU8E.Tu7&c:`m>2Rr7*2C!ͤYII q$v㶡;(D>DU\O1pI$M i|((B#A_S It+D?4 !1 02@AQaq"3PBr#Rb?IѽFE )2Pq|s|#!Xz%&ɫ*)ȹO \(Cx>9A:%QdTԋ_3E]#+V}X,7hQXn%*f3Nm!ŢѯJ")^AٲLj̽QV'}D2FV-wȇ|/E.p":†Uz%Ebd. u&ɗ2z s*1?8CMܓGcI>oAz348YjwI< hY,ȡ7)JwY3Ț!ed6XN̚xW?Ghєxܙ"Oֺ7\&zbk+6XО^x%יQ+yx.S ?eL,JS' |\FfY7]IfiRSD6) 7"7ڿȮh}2h+zM"O&O3؜ xԛ1(40oeAUQ3t9.77,Y% Q,;cI:#ӠZ%Я>'3wK~~b)}M{"/ۙbdↄnNu}K9Ȳsq9ǖagˆGEcib/;tQa|m7ړ‡6-6X3[rYGۇG/+EBҭֶKJmm(dea*(Kbm9-RkV{.\oG#zcМ'rdBoq>X)sևƬHhL̇X6OO(!1AQaq 0?!$"ނJ#;}${T?`Юl+8ٕY|BBo!wZ{ ˭-/0CCD!B  fa,o䇒3t#;w(I . imFC-|v\B&!){?[AB!!!!!!'5I1Y( hagV1p:MYڎh?v-*_A ӌ! MNj KrM-tBBBs:bf+_\' oϑyUAb4y@!7/MCg?g1kdv&50ƆBB!%ۘ2 66 jK ;7ݘ+L }bamZ(Q9sa* ZЃB44LxCy0[bZ&-bƷA A7 > 5\Kd)VA{;[Jj6@DJtDC+mބ=bU:Ȋ CC7, gBlZYA L9>qQQ[豰na96W`k Cװߨ6-ͫC!2"-&S8b&ZƓFk&/&X֥R'u K,by0Ǘc}m jjZGO#W<V6\ al0o6xl uD-hzCp۾2F:CiQhBѫb|1hFۘXË\q11 3ДxbgqfjaKmւ d41q3 ˡȐIB +v"-fa8y^>k)POccccFl0=Ecd,B=!j x_IELO:cccceьhkEtFd~)JQRll)F9ѣhD'RRL)JQRҍlQ/!tɢbl](D&RJR(F6HFiثq bљCfkIcT@E)D&RJRq##yΌgR/d6Q(<ВIu|ȓaZQ2=ܚ)JRW1S XaJRO2HaD~{gYJQ~(>N)K(#00VdYahg>9 ]S f:pt6x3 e(R)JR?FF%.o 87r.Eih2Ѝک ޛnXE+[(g6%02t"nߡቔ)tKt\>?H| y<0]szH$nIL5Dv Ou| ٵ~؇K9אeуhcU(n[٘ȼ8-cAPKy-A;y~΋/Sl?c~}xEB#Ȑލ NO[|6<(l9 A%\S$gٔ7D[$1!-ƻGFp(#~Km]$t -t k|bh0Y.xӴ-e'UӨ2;ٻ:Q0bUj-i? ]!Hie!_>CFH!7)0=B<;$Љ(-(a?-ҔZdL#N&<69TJe33iώ}"3|DG{!bo` d(m4KvuZ!Ȅ!h"FM<jKS~+mLVDa6!n(,G{1hSK #A$nC,aDИ! 2D,ptjXq鯁xv{jȌ)%Sp0΍4<D =H-BgBAtbPFpЂ15H4r!ksثQ41(4ߡr0зK: !hhL BL7d!-'!zYe t(,*{2(bOFE$"~PB!ryp"_E#wgt%f-C:C\! 2"Г#sDK% 74yz0D$l:1ml'zH8c=+juO:%br-y R!. iO8B'%i"Ƕcp1,Aˎ;>R暽U>js j9瓡4htWΏbDAd$kHS160E0M2wYު6gM nB;|7 1)Xb% W#8*Nu6i63՜E(T,]N`ġy4tpA*)>: k&[%u!rVkPln?`pMZyPf^"Ј#χ H32*^@ фb)Yet'\>?VLRq~*޾Łd]w1.iS$HDE9 }P  !1 AQaq0?x}TvhCMlL=*^K+Ø {H"s2!ؚEe 3)6m!^;sz|^fRSS{m^t*x )aw(䍤P^$IƮe)Dиa.o(7_b/g œ 2e1b</ؖ#6=E~0A䄛W:蘸'z{ʈY2=(Ǐ*ڊD A$&ƨ !1A Qaq0?ϧ`y'${G$qǤ}We}o8/ 񖍒zK ϽJ@}5o(!1AQaq 0?4V`{ DoiB\!Wu М#!Wʀ6)];x-NY 5/G! QBvZTs6 Hga+CIX?[0&gV#L.K%PE;f0k>!i{M } P|z!&W.%yXw48<1ea&sEXJgZ<VX0l`V#V&.4 K^V;f t( kͥ<,>ɗxɬ 5J2JW|_UPuIsL C`+O H!(tmYe}̉ 5{HWKIކ%#t(A\4k4!#z\v""K#_wĮmt,̼pswq_jb]e?z<()t#0!,J#Mq68;t~+4nb:qS'KDc2c]n QKbJP yBNa{dPmf PmX S)Kr,#pq4([i!%&q%>{?wZOsfٴ2DWZxz`͝,g(XQ7,l&kd%W.cPǘA~cDʀa0fx ^B< . K(rl;pJW+s 89-5CH{x:|"/~z-C166sህl.]s(g  ?VP \KlB )0G0MEW>MQ1yFՊPY2q)_#z ϟUWrBưv-Z2U) 0G|[ASW̨K!pǝ%Ԏ"P$XEL] %ˈܣ4lе .«ܠԠnxfEP Fu,:7c;KR6*zIV3 R FkQvbK~UE\;˥0N?P".u/xP~~Q& >!JCTFgxmԜpc28PK4_l)tQ4 [0^D RVRRD5.femDB]**n KxӼ@l/ paA,qE mLa7é%Tt?psb  `(0e&i/qecQtbRѵ2^#%bjSP J®MBAA@8A9#:&^:ag0R APP`#o!FИ PLJLl Hq]ϼ`B±y 3Bp}OfeJzsXu!#zJUw)2<1wqfȑBJq '2þrP;~x{". roK3+<IxFHtB_CuR.pF"W[@HSPeaZ6&ȼGk飮0WCv1ϨF yL ;2d]aer>@ԥ'$ `1]9:l52U/`GmqA PfM豂g.ϹFf̼ŀ#Ɯd 8H8¨Ȣͺű< PZA!JunW(%3ыrp,3(;KgVQm;R-Q܀E誙mhZײP-{~_>lrT+h< zWԜ*C8TJ@ 2E(J_[ZL*fXH]Ј!xb#A.țyܖDz~bm$ܻœO G6V7U3eĽfӰl㠡$Xv<:V ;l>ׂ&x*, #8pLl&Џ"o>&cG<9 L v#.+8%C5=8mvfU r1D2[(y`,T/+)ӊ!P0(JCdMTMi=h~G @DmZ3*+ȯc9NTIy$Q\?S$q{}!sٳ1aL? ~u|S m1mqZ%$@^*+s+zxu9"j Q% +[ʠD#{O(4pw&OɂA{}[6i'; ; &+Whχ﷨/o421v{p)̪Jʙ @T #v?1_G O3.)Wwehv6oM*~w򟚤f̯H6ʀT }@RŵtCF✍c~֜_퍀E^/k_9Oܷ%w-%=~y>Sf,Aj%*&5  [2h 7Dַ(_z>.4`f2,* W)!(70;7f(bJvtY.+282,CDB\ (v*c,aZ˟1&b)LeMݰwJDnjKY8kH!Y/eF@3»%TIå=2J*P;>Bw48[} ̵C3s#.]^8n-X7b\uSlɾ&Sİ2Lw.URq%L1fg'&;rvSRĤT^&$aZa!7fE_0mAY.}Ƹ,!wĥ|KHl+ A? %fspൣI +;.c!̰S2,4R bs`r+Z<v`>m& oU_iji.Es*s3j2@Wkq=D%ਗ1Q#\7T(`芣Ǯ Do1,7ePr{ n?MS(0\ي[0:'y{`}J ~H&YnErԼ$[Cs$Nv $`<6@KQIT(8 /XD?3H{pR:\b? !(PS&"1&2t]q=Ja¯6pSz MfV:TlC㈅Asy1JF11Qܲ@{Ҝ2( 0iZq shOT8¢5Ϡ#b#Z5)o-"Õ_e@DeuQ|L3};|{|SQMBU]T&\Tb*~Ĺ U 8!2YD+A9A63Fm C^U/6Vn&K(.V0e5mEncT9-0u(; njwwEPjr)#OܟnBj endstream endobj 41 0 obj [33 0 R /Fit] endobj 42 0 obj << /Type /Page /MediaBox [0.000 0.000 612.000 792.000] /Parent 3 0 R /Contents 43 0 R >> endobj 43 0 obj << /Filter /FlateDecode /Length 760 >> stream xmUM0W+@H"l$NVݟftۅ!qb{{WOh͊ڍkC!<v~ I:Q⼀m D1 a|8QNT~x=Uh`/ vVMmUnO)b(_ pdeʲ8$MnA5Kܣn&Ed 5i;:6wzǭL2x8TR= KnDZѪh% \%cpC_@-v:, hR#JJF -iBy+eaTQ?= ʂ4'Lhaj$ GEQ@{2: Hѐ6#ӷ,^C@"CSZ,|qԼhR#w,JQSut+NEp;5iT<9SpKK w|(R7^Oi \ehE8^ݴ8".9oǏnrtP -Us䅆f"||iM [ZwfFit'P.\NG)SQ[NOF'\XxKWHhiL/s+Ԯ78z,Kg14Jrr#$C;-=wEQ⤄ 1TUv2x3MqƲ̳8ܬ7g<7@ endstream endobj xref 0 44 0000000000 65535 f 0000000009 00000 n 0000000074 00000 n 0000000120 00000 n 0000000453 00000 n 0000000490 00000 n 0000000639 00000 n 0000000768 00000 n 0000001947 00000 n 0000002054 00000 n 0000002162 00000 n 0000002272 00000 n 0000002385 00000 n 0000002414 00000 n 0000007294 00000 n 0000007323 00000 n 0000029284 00000 n 0000029313 00000 n 0000029447 00000 n 0000029519 00000 n 0000029653 00000 n 0000029737 00000 n 0000029796 00000 n 0000029855 00000 n 0000029884 00000 n 0000030008 00000 n 0000031476 00000 n 0000031533 00000 n 0000031590 00000 n 0000031724 00000 n 0000031829 00000 n 0000031859 00000 n 0000044101 00000 n 0000044131 00000 n 0000044262 00000 n 0000045794 00000 n 0000045928 00000 n 0000046002 00000 n 0000046135 00000 n 0000046209 00000 n 0000046239 00000 n 0000061387 00000 n 0000061417 00000 n 0000061522 00000 n trailer << /Size 44 /Root 1 0 R /Info 5 0 R /ID[] >> startxref 62355 %%EOF Driving down the high cost of higher education | Caring Magazine
Man and women looking at poster

Driving down the high cost of higher education

Listen to this article

As U.S. college debt crisis tops $1 trillion, The Salvation Army devises new ways to help keep students afloat.

Jerry Bazilme, 21, and Captain Teresa Della Monica look at collage of pictures of students involved in The Salvation Army's student housing program in Tampa, Fla. In addition to discounted housing, the program also grants students access to the College Student Center and other resources.
Jerry Bazilme, 21, and Captain Teresa Della Monica look at collage of pictures of students involved in The Salvation Army’s student housing program in Tampa, Fla. In addition to discounted housing, the program also grants students access to the College Student Center and other resources.

The junior stays quiet while his classmates talk about their mounting student debt.

Jerry Bazilme, 21, studies physical education at the University of South Florida. Like many students, he also works part-time and wrestles with how he will pay tuition, rent and all the other costs that go along with college.

Student loan debt has skyrocketed over the last decade, reaching a record-high $1.2 trillion in 2015, according the Consumer Financial Protection Bureau.

“[Classmates] always talk about the loans they take out and the cost of schooling and the price they pay for rent and cable and internet,” Bazilme said. “When they do talk about finance, I just keep quiet.”

Because even though Bazilme must juggle different financial responsibilities, programs through The Salvation Army have helped make paying for school more manageable. Bazilme is one of 16 students living in subsidized housing as part of a Salvation Army program in Tampa, Fla.

For $200 a month, Bazilme and other students live in condos on the northwest part of town, within driving distance to about half a dozen local schools. Their rent covers all utilities—including cable and internet—and provides access to other benefits, such as a student center outfitted with a game room, library and computer room.

Students in The Salvation Army’s student housing program in Tampa, Fla., live in one of eight condos—each with three bedrooms, 3.5 baths and a two-car garage—for $200 monthly rent, including utilities.
Students in The Salvation Army’s student housing program in Tampa, Fla., live in one of eight condos—each with three bedrooms, 3.5 baths and a two-car garage—for $200 monthly rent, including utilities.

The program—available to any full-time student associated with The Salvation Army for at least a year—is the first of its kind in the nation, said student resident manager Captain Teresa Della Monica.

“We saw there was a need for affordable housing for so many of our own college students,” Della Monica said. “This program allows them to worry less about how they will pay for housing. About half of our students are not going to go into debt.”

The program oversees seven condos, each with room for seven students, ages 18-24. Della Monica lives in an eighth condo and is available at all times to assist the students in matters of faith and life. Even the little things, such as learning how to cook and keep a clean living space, are lessons each student must learn.

“They’re just coming out of their parent’s homes, so they’re a little sheltered, but they’re curious about life,” said Della Monica, who has been with the program since it started six years ago. “They’re stretching and growing, but they’re doing it in a controlled manner.”

Each student in the program is expected to attend an area corps and volunteer at least one hour per week. Some of those volunteer initiatives also provide scholarships for the students involved, adding another layer of financial assistance.

“It’s a huge weight off my shoulders, especially for financial reasons,” Bazilme said, recalling an incident when work shorted him on hours a couple months ago. When his $230 paycheck came, he breathed a sigh of relief. If he was living in his old apartment, he’d have to have a conversation with his landlord about how he couldn’t make rent that month. But through The Salvation Army program, he’s able to pay that month’s rent and put some gas in his car. The less he stresses about finances the more he can focus on his studies, his classes and his job.

Salvation Army programs across the country are doing what they can to help, offering scholarships, grants for children of officers and summer employment opportunities.

And for those students looking for an affordable college degree, The Salvation Army’s Booth University College in Winnipeg, Canada, has put a premium on keeping costs low.

Student-Debt-3-Damiris-Millan
Damiris Millan, 23, works in the College Student Center as part of The Salvation Army’s student housing program in Tampa, Fla. Millan and other students pay $200 a month, which covers rent, utilities and access to the College Student Center.

Tuition and fees for one year cost Canadian and American students about $8,000 (Canadian dollars). There are no application fees or otherwise hidden dues. The school also offers merit and program scholarships, along with a Salvationist Tuition Incentive. The result often is a manageable, affordable college degree, said Major John Murray, vice president of advancement.

“The value of the education vis a vis the programs we offer, access to professors and small classrooms, is tough to match,” Murray said. “We would consider ourselves a sort of niche market type of school.”

Apart from his role with the school, Murray, a father of four college age sons, knows the reality of rising higher education costs.

“I’m not sure that people at age 18, 19, 20, just from a life perspective point of view, understand and appreciate the rising cost of school,” Murray said. “Not just the shear responsibility of that, but also how long it will take to pay off.”

Ultimately, providing access to quality education is key to helping individuals unlock their full potential.

“Certainly education is a huge priority for us as an organization,” Murray said. “It is a way for people to get out of poverty and better their lives.”

You May Also Like